then partly cloudy and very quiet from san francisco southward into l.a. san diego, some rain layer early, giving way to sunshine into the afternoon. back to you guys. >> okay. thank you, reynolds. appreciate that very much. let's get back to our guest host john kanas. talk about banking. a lot of regulations that are supposed to go into effect that kind of haven't yet. what's the biggest that you think is going to have the biggest impact 2013? >> a number of things. the cfpb is yet to come out with the definitions of qualifying mortgages. which is -- >> consumer protection? >> consumer protection. it measures the ability to pay for mortgagees. that has the -- that has the potential to become a serious impediment in the mortgage -- >> when will that happen? >> we're not sure. it's all part of the dodd-frank. it should have happened. >> there's something like 200-plus regulations that are still not on the books yet. >> something like 200 more, 240 regulations that are not yet -- >> derivatives, still? >> yes. >> and when do you think that's going to happen?